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Century South Bank of Central Georgia, N.A.

Macon, GA · Cert 33733

FDIC

Q3 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Century South Bank of Central Georgia, N.A.

Macon, GA · Cert 33733

FDIC

Q3 2001

$306.5MAssets
$159.7MLoans
$243.1MDeposits
$18.5MEquity
Loan mix
76%RE $55.6M24%C&I $17.3M0%Consumer $0.0MQ4 1999Q3 2001
Deposit mix
87%Interest-bearing $212.2M13%Noninterest $30.9MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 0.16%, down 119 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.16%.
  • Funding: loans stand at 65.69% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

0.16%-119 bps YoY

Net Interest Margin (YTD, annualized)

3.63%

Efficiency Ratio (YTD, annualized)

86.18%

Tier 1 Leverage Ratio

n/a
n/a

NIM

8.64%Q1 ’017.57%Q2 ’017.48%Q3 ’01-17%-2%

Non-interest income vs. expense

3.47%Q1 ’013.80%Q2 ’013.49%Q3 ’01+51%-11%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.42%1.16%1.22%1.34%1.26%1.26%-0.08%0.16%-119 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a4.47%3.70%3.63%n/a
Efficiency Ration/an/an/an/an/a61.23%93.53%86.18%n/a
Non-Interest Burdenn/an/an/an/an/a2.27%3.44%3.07%n/a
Growth
Asset Growth (YoY)8.66%17.33%14.10%13.68%21.07%23.04%21.90%39.70%+2,603 bps
Loan Growth (YoY)8.40%11.85%8.75%10.28%8.80%12.47%9.18%-4.53%-1,482 bps
Deposit Growth (YoY)1.82%11.86%5.13%18.21%30.16%32.73%40.01%33.89%+1,568 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.12%0.06%0.16%n/a
Allowance / Loansn/an/an/an/an/a1.23%1.65%1.84%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/a11.17%10.87%11.56%n/a
Equity / Assetsn/an/an/an/an/a6.90%6.44%6.04%n/a
Liquidity & Funding
Loans / Deposits95.11%87.33%90.58%92.13%79.51%74.00%70.63%65.69%-2,644 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%9.26%0.03%0.03%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a